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Unlike hotel cards that are tied to specific properties and brands, you can transfer your Ultimate Rewards® points to several frequent flyer and hotel loyalty programs. Plus, your points are worth 25 percent more when you redeem them for travel through Chase's Ultimate Rewards® portal. The bonus: Cardholders earn 60,000 Chase Ultimate Rewards® points after spending $4,000 in the first three months. That equals up to $750 in travel when redeemed through the portal. The annual fee: $95 The rewards: You earn two points for every $1 spent for travel and restaurants and 1 point for all other purchases. You can transfer Chase Ultimate Rewards® points to numerous frequent flyer and hotel loyalty programs. Read our full Chase Sapphire Preferred® Card review. Credit needed: Excellent, Good.